Make the most out of what you have, and then when you get close to the end of what insurance covers, you will have the best case possible to petition the insurance company for additional coverage. Usually the therapist can ask, and has to explain convincingly why more treatment is needed, but those requests do get granted. I don't know what percentage of them, but don't give up because it can happen.

Also, a lot can change in a year. The insurance company could change its policy. You could have different insurance. Your T could decide to offer a sliding fee. You could be cured! (well, it's a possibility too, right?) Just make the most of now, and worry about down the road when it happens. Oh, but do talk to your T about your concerns and fears about this issue too. Ok?